Compare that to ten years into what banking was. The spreadsheets, math tables, the manual toil...you aren't looking at it realistically. Things don't just pop

Compare that to ten years into what banking was. The spreadsheets, math tables, the manual toil...you aren't looking at it realistically. Things don't just pop into existence perfectly but iterate into a local and idealistically global minimum from the reality of what people want and need, not what devs and larger organizations think they want and need.